This type of insurance normally covers policyholders for any damages to their property resulting from theft or attempted theft. Consider fixtures and fittings, copper pipes and lead flashing, for example, that in the UK fetch high prices so can be stolen frequently.
There are some notable exclusions to theft insurance including theft or attempted theft by anyone legally on your premises, such as a gardener, nanny or cleaner. Theft whilst the property is unoccupied is a strict exclusion on a standard policy. Check your policy documents carefully.
